紐約梅隆銀行和穩定幣：構建金融的未來

紐約梅隆銀行正在穩定幣領域採取行動，重點關注基礎設施，而不是推出自己的代幣。這對金融的未來意味著什麼？

Yo, what's the deal with BNY Mellon and stablecoins? Turns out, they're not just sitting on the sidelines. They're diving headfirst into the infrastructure game. Let's break it down, New York style.

喲，紐約梅隆銀行和穩定幣有什麼關係？事實證明，他們並不只是袖手旁觀。他們正在一頭扎進基礎設施領域。讓我們來分解一下，紐約風格。

BNY Mellon's Stablecoin Strategy: Infrastructure First

紐約梅隆銀行的穩定幣戰略：基礎設施優先

BNY Mellon, one of the world's biggest custodian banks, is getting serious about stablecoins, but not in the way you might think. Forget about them launching their own branded token (at least for now). Their CEO, Robin Vince, made it clear: they're all about enabling the ecosystem.

全球最大的託管銀行之一紐約梅隆銀行正在認真對待穩定幣，但方式可能並非您想像的那樣。忘記他們推出自己的品牌代幣（至少目前如此）。他們的首席執行官 Robin Vince 明確表示：他們致力於打造生態系統。

Instead of creating a BNY Mellon stablecoin, they're focusing on building the infrastructure that allows other stablecoins to thrive. Think of it as providing the picks and shovels during the gold rush. Smart move, right?

他們沒有創建紐約梅隆銀行的穩定幣，而是專注於構建允許其他穩定幣蓬勃發展的基礎設施。可以將其視為在淘金熱期間提供鎬和鏟子。明智之舉，對嗎？

Tokenized Deposits: A Game Changer?

代幣化存款：遊戲規則改變者？

But wait, there's more! BNY Mellon is also testing tokenized deposits. This initiative, led by Carl Slabicki, aims to let clients make payments using blockchain-based versions of traditional deposits. Imagine instant, real-time, cross-border transactions. That's the promise.

但是等等，還有更多！紐約梅隆銀行也在測試代幣化存款。該計劃由 Carl Slabicki 領導，旨在讓客戶使用基於區塊鏈的傳統存款版本進行支付。想像一下即時、實時的跨境交易。這就是承諾。

Tokenized deposits could help banks ditch those legacy tech constraints, making payments way more efficient. BNY Mellon processes a staggering $2.5 trillion in payments daily. Tokenizing those deposits could be a real game-changer.

代幣化存款可以幫助銀行擺脫這些遺留技術限制，從而提高支付效率。紐約梅隆銀行每天處理的付款金額高達 2.5 萬億美元，數額驚人。將這些存款代幣化可能會真正改變遊戲規則。

Why Infrastructure Matters

為什麼基礎設施很重要

Vince gets it. Many companies might want to use stablecoins internally but don't want to build their own tech stacks. That's where BNY Mellon comes in, providing the back-end infrastructure they need. They're connecting cash, collateral, mobility, and infrastructure, making the whole stablecoin ecosystem stronger.

文斯明白了。許多公司可能想在內部使用穩定幣，但不想構建自己的技術堆棧。這就是紐約梅隆銀行的用武之地，提供他們所需的後端基礎設施。它們將現金、抵押品、流動性和基礎設施連接起來，使整個穩定幣生態系統變得更加強大。

The Bigger Picture: Blockchain Adoption is Accelerating

更大的圖景：區塊鏈的採用正在加速

BNY Mellon isn't alone. JPMorgan, HSBC, and even some European banks are exploring blockchain-powered payments. Regulatory clarity in the U.S. and Europe is fueling real-world applications.

紐約梅隆銀行並不孤單。摩根大通、匯豐銀行，甚至一些歐洲銀行都在探索區塊鏈驅動的支付。美國和歐洲監管的明確性正在推動現實世界的應用。

Traditional financial players are also tokenizing real-world assets (RWAs) like bonds and equities. Ernst & Young estimates that half of institutional investors are considering tokenized products. Standard Chartered thinks the global RWA market could hit $30.1 trillion by 2034. That's a whole lotta moolah.

傳統金融參與者也在對債券和股票等現實世界資產（RWA）進行代幣化。安永估計，一半的機構投資者正在考慮代幣化產品。渣打銀行認為，到 2034 年，全球 RWA 市場可能會達到 30.1 萬億美元。這是一筆巨大的財富。

Stablecoins and Cross-Border Payments

穩定幣和跨境支付

Stablecoins are emerging as a clear solution for transforming cross-border payments, according to a KPMG report. The current system is slow, expensive, and involves multiple intermediaries. Stablecoins can cut settlement times from days to seconds and slash transaction costs.

畢馬威報告稱，穩定幣正在成為跨境支付轉型的明確解決方案。當前的系統速度慢、成本高並且涉及多個中介機構。穩定幣可以將結算時間從幾天縮短到幾秒鐘，並降低交易成本。

KPMG also notes that major financial institutions are already moving real value across blockchain rails. JPMorgan processes around $2 billion in daily transactions on its blockchain platform. Even PayPal has jumped into the game with its own stablecoin.

畢馬威還指出，主要金融機構已經在通過區塊鍊軌道轉移實際價值。摩根大通在其區塊鏈平台上處理約 20 億美元的日常交易。就連 PayPal 也推出了自己的穩定幣。

My Take: BNY Mellon is Playing it Smart

我的看法：紐約梅隆銀行正在明智地行事

Here's my two cents: BNY Mellon is playing it smart by focusing on infrastructure. It's a less risky approach than launching a branded stablecoin, and it positions them as a key player in the growing digital asset space. By enabling other stablecoins, they're essentially betting on the entire ecosystem.

我的兩點意見是：紐約梅隆銀行通過專注於基礎設施來發揮聰明才智。與推出品牌穩定幣相比，這是一種風險較小的方法，並且將它們定位為不斷增長的數字資產領域的關鍵參與者。通過啟用其他穩定幣，他們實質上是在押注整個生態系統。

Also, tokenized deposits are a huge deal. They have the potential to revolutionize payments and make the financial system more efficient. BNY Mellon's move could be a catalyst for wider adoption of blockchain technology in traditional finance.

此外，代幣化存款也是一件大事。它們有潛力徹底改變支付方式並提高金融體系的效率。紐約梅隆銀行的舉動可能會成為傳統金融領域更廣泛採用區塊鏈技術的催化劑。

The Future is Digital (and Stable)

未來是數字化的（並且穩定的）

So, what does all this mean? It means the financial world is changing, and BNY Mellon is right in the thick of it. They're not just watching from the sidelines; they're building the future, one stablecoin infrastructure project at a time.

那麼，這一切意味著什麼呢？這意味著金融世界正在發生變化，而紐約梅隆銀行正處於其中。他們不僅在旁觀，而且還在旁觀。他們正在建設未來，一次一個穩定幣基礎設施項目。

Keep an eye on BNY Mellon. They might not be launching their own stablecoin (yet), but they're definitely shaping the stablecoin landscape. And that's something worth paying attention to. Stay tuned, folks. The future of finance is gonna be wild!

密切關注紐約梅隆銀行。他們可能還沒有推出自己的穩定幣，但他們肯定正在塑造穩定幣的格局。這是值得關注的事情。請繼續關注，伙計們。金融的未來將是瘋狂的！